New Caney isd. What s inside? Reference CENTER OPEN ENROLLMENT IS July 1st THROUGH august 24TH 2018

Transcription

1 PLAN YEAR: September 1, 2018 August 31, 2019 New Caney isd What s inside? EMPLOYEE REFERENCE CENTER HOW TO ENROLL S125 PLAN INFORMATION FLEXIBLE SPENDING ACCOUNTS AVAILABLE RESOURCES BENEFITS AT A GLANCE CONTACT INFORMATION OPEN ENROLLMENT IS July 1st THROUGH august 24TH 2018 Reference CENTER Mark Johnston, ACCOUNT MANAGER OFFICE: MARK.JOHNSTON@FFGA.COM NORTH FREEWAY, STE. 900, HOUSTON, TX 77060

2 If you would like to make any changes this is the time period that you are allowed to do it. Benefits you elect will be in effect from September 1, 2018 through August 31, 2019 and cannot be changed unless you experience an IRS 125 qualifying event. Important items to KNOw this Year Enrollment is Mandatory- You must accept or decline all benefits offered during Open Enrollment. This open enrollment period will be for ALL benefit products including medical and supplemental insurance plans. Health Savings Account (HSA) - You must have the TRS ActiveCare 1HD medical plan through NCISD, in order to have a Health Savings Account. If you currently have a FSA you will need to use all of the funds in your account by August 31, 2018 in order to start contributing to an HSA on September 1, HSA limits are; $3,450 maximum annual election for employee Only and $6,900 for Family. Flexible Spending Accounts (FSA)- Your FSA funds can carry over a max of $500 to the plan year, any amount over $500 will be forfeited if not used by August 31, You MUST RE-ENROLL IN THE FSA EVERY YEAR, even if the amount is the same as last year;$2,650 maximum annual election. You can check your balance at or call ACA Rules: Due to Federal Regulations under the Affordable Care Act (ACA), all employees must enroll or decline coverage for themselves and their dependents. SSN is required. save the dates on-site enrollment help is available at the Administration building in the Admin LGI july 23, 24, 26, 30, 31 August 2, 6, 7, 8, 9, 10, 13, 14, 15, 16, 17 8 am through 4:00 pm Make an appointment with a benefit advisor at This guide contains a summary of the benefits offered by your employer. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail. For a more detailed explanation of benefits you may contact your Account Manager or First Financial Administrators at or visit

3 Employee Reference center your guide to your benefits! We ve created a custom site just for you! Find detailed information about current and upcoming benefits, voluntary product offerings and employer programs, Section 125 & Flex Information, important contact numbers and links, and downloadable forms and brochures. Company Key: ncisd (case sensitive)

4 How to Enroll , and a reminder the day before your appointment. What to have ready for your enrollment: Social Security Numbers for all dependents Any Status/Life Event or address changes Questions about available benefits ONLINE ENROLLMENT To enroll online, log in to BenefitSolver at and log in with your User Name and password for this benefit website. If you have forgotten your User Name or password, click the "Forgot user name or password" link. The company key is: ncisd (case sensitive). If this is your first time logging into the site, click Register to get started. This site will request your social security number, date of birth (mm/dd/yyyy) and company key (ncisd), which is case sensitive. The site will ask you to create your User Name (8 characters or longer) and Password (8 characters or longer) and have a combination of letters and numbers. Please see the BenefitSolver navigation Instructions at the end of this book. USEFUL INFORMATION TO KNOW Open Enrollment is july 1st through august 24th 2018 Your First Financial Account Manager will be on site to assist you in enrolling in your benefits. You also have the option to enroll online 24/7 through BenefitSolver during your enrollment period. To prepare for your enrollment and view your elected benefits, visit the Reference Center at ON SITE ENROLLMENT There will be Benefit Advisors available to help you enroll and answer any questions you have from 8 AM to 4 PM at the Administrative Building. To make an appointment with a benefit advisor, visit Simply click on the school districts name (New Caney), click meeting location (Administration Building), select a Benefit Advisor, then pick the date and time that best fits your schedule. You will receive a confirmation Write your User Name and Password number down Contact First Financial with any technical questions No changes will be permitted until annual enrollment, unless you have an IRS S125 qualified event Enrollment is: July 1st through august 24th

5 Section 125 Plan Information and rules A Section 125 Plan provides a tax-saving way to pay for eligible medical or dependent care expenses. The funds are automatically deducted from your paycheck on a pre-tax basis. Here s How It Works A Section 125 Plan reduces your taxes and increases your spendable income by allowing you to deduct the cost of eligible benefits from your earnings before tax. Plus, the plan is available to you at no cost, and you re already eligible. All you have to do is enroll. Is It Right for Me? The savings you may experience with a Section 125 Plan are outlined below. By utilizing the Section 125 Plan, you would have $70 more every month to apply toward insurance benefits or other needs. That s a savings of $840 a year! Which Benefits Are Eligible? Medical, Dental, Vision, Accident, Cancer, Health Savings Accounts (HSA), Hospital Indemnity Plan, Telemedicine plan, and Flexible Spending Accounts (FSA)

6 irs Flexible Spending Accounts irs Medical FSA FSA Plan Year is: September 1, 2018 to August 31, 2019 FSA MAX: The maximum you can set aside each year is $2,650 IRS Medical Flexible Spending Accounts (FSA) allow you to set aside pre-tax payroll deductions each paycheck to pay for out of pocket medical, dental and vision expenses for you and your family. During open enrollment you will estimate the amount you think you will need during the year. This amount will be taken out of each paycheck. Your full annual election will be available to you at the beginning of the plan year. Please note: You can roll over a maximum of $500 to the next plan year, anything more than that will be forfeited! You MUST re-enroll every year, even if the amount is the same as last year. IRS DEPENDENT CARE FSA With an IRS Dependent Care Flexible Spending Account (FSA), you can set aside part of your pay on a pre-tax basis to pay for eligible dependent care expenses. Such as: Day Care Centers Before/After School Care Mothers-Day-Out Program Nursery Schools Babysitters Nanny Au Pair Day Camps You may allocate up to $5,000 per tax year for reimbursement of dependent day care services. ($2,500 if you are married and file a separate tax return). This account allows you to pay for day care expenses for your qualifying dependent/child with pre-tax dollars while you (and your spouse) are working, seeking employment, and/or attending school as a full time student (for at least five months of the year). Eligible dependents must be claimed as an exemption on your tax return. For full plan details, view the FSA Booklet available on the Reference Center. HEALTH SAVINGS ACCOUNTS What is a Health Savings Account (HSA)? HSAs were created to help control healthcare costs. They provide a savings vehicle that allows you to set aside money to pay for higher deductibles associated with lower monthly premium High Deductible Health Plans (HDHP). The money you save in monthly insurance premiums may be for eligible medical expenses you incur in the future. Your HSA balance rolls over from year-to-year earning interest along the way. The account is portable. Upon retirement or separation of service, you take the HSA with you because it s your money and your account. Key Advantages of an HSA»No end-of-year forfeiture of fund»portable account»provides an excellent savings vehicle for healthcare expenses»no monthly account fees»free statements when you opt in for electronic»the money you put in to the account is deducted from your paycheck before tax»the interest and earnings you make on the account grow tax free»distributions for eligible medical expenses are tax free HSA Plan Year is: September 1, 2018 to August 31, 2019 HSA MAX: The maximum you can set aside each year is $3,450 for self only and $6,900 for family FACTS:»You must be enrolled in the High Deductible Medical Plan to have an HSA»Money is not available up front»you cannot have both Flex and HSA for Medical use.

7 RESOURCES FOR FSA MANAGEMENT FLEXIBLE BENEFITS CARD The Flex Benefits Card is available to all employees that participate in an IRS Medical FSA and or an IRS Dependent Care FSA. The Benefits Flex Card gives you immediate access to your money at the point of purchase. Cards are available for participating employees, their spouse and eligible dependents that are at least 18 years old. The IRS requires validation of most transactions. You must submit receipts for validation of expenses when requested. If you fail to substantiate by providing a receipt to First Financial within 60 days of the purchase or date of service your card will be suspended until the necessary receipt or explanation of benefits from your insurance provider is received. FF FLEX MOBILE APP With the FF Flex Mobile App you can submit claims, view account balance & history, see claim status, view alerts, upload receipts and documentation and more! The FF Flex Mobile App is available for Apple or Android TM devices on the App Store SM or the Google Play Store TM. You must have your Flex Benefits Card number to register your account on the FF Flex Mobile App. FSA STORE First Financial has partnered with the FSA Store to bring you an easy to use online store to better understand and manage your FSA. Visit for more details & special deals! Shop at FSA Store for eligible items from bandages to wheel chairs and thousands of other products Browse or search for eligible products and services using the FSA Eligibility List Visit the FSA Learning Center to help find answers to questions you may have about your FSA

8 Benefits at a Glance Visit for rates and benefit information Medical- TRS Active Care Aetna is the plan administrator for the TRS-Active Care plans. First Financial Group of America enrolls this product for your district however any product questions or concerns need to be directed to Aetna or your district benefit administrator. Aetna offers: A variety of plan and network options to suit your individual needs A Health Concierge available by phone for answers and guidance on care and benefits Online services and mobile apps for easy access to health information and tools, wherever you travel IMPORTANT: The TRS Active Care 2 plan will be closed to any new enrollments. Only those employees staying in the plan will get to keep it. Once Active Care 2 has been dropped the plan cannot be re-elected. TRS/Active Care 1 HD TRS Total District Contribution Employee Rate Plan (Monthly) (Monthly) (Monthly) Employee Only $ $ $42.00 Employee + Child(ren) $ $ $ Employee + Spouse $1, $ $ Employee + Family $1, $ $1, TRS/Active Care Select TRS Total District Contribution Employee Rate Plans (Monthly) (Monthly) (Monthly) Employee Only $ $ $ Employee Rate (Semi-monthly) $21.00 $ $ $ Employee Rate (Semi-monthly) $ Employee + Child(ren) $ $ $ $ Employee + Spouse $1, $ $1, $ Employee + Family $1, $ $1, $ The Select Plan offers utilization of the Memorial network or the open access based on your zip code or Kelsey/Select plan choice(s) it is based on your residence zip code. You will not be able to change to the other network until the next plan year. TRS/Active Care 2 TRS Total District Contribution Employee Rate Plan (Monthly) (Monthly) (Monthly) Employee Only $ $ $ Employee + Child(ren) $1, $ $ Employee + Spouse $1, $ $1, Employee + Family $2, $ $1, Employee Rate (Semi-monthly) $ $ $ $ PLEASE NOTE: If you have medical coverage elsewhere and waive the medical plans with the district, New Caney ISD will give employee coverage for the Dental PPO plan, Superior vision, and the Hospital Indemnity plan. You must elect this coverage on the benefit website. If you would like, you are able to buy coverage, in addition to yours, for your spouse and eligible dependents. Please see the rates for the Alternate Plans of Dental, Vision, and Hospital Indemnity on the website. To get the best view of Aetna resources and plan information, visit Please learn about your Aetna medical plan and take advantage of all it offers for your health and well-being.

9 Telemedicine - WEllvia Telemedicine allows you and your family access to a licensed healthcare professional, via phone or video chat, 24/7. The product provides convenience and immediate consultation on your medical issue so you can get back to your daily life. It saves travel and wait time to and from conventional medical facilities at a low monthly cost. The Board-Certified doctors diagnose, recommend treatment and prescribe medication via phone or video from anywhere. When to Use WellVia: 70% of primary care visits can be handled over the phone. 40% of urgent care doctor visits can be handled over the phone. Great for: Acid Reflux Cold & Flu Sore throat Allergies Sinus Infections Asthma Ear Infecions Pink Eye Spider and bug bites Nausea Upper Respiratory Infections Bronchitis Strep Throat Rashes and more... Highlights Include: $0 Co-Pay Unlimited use for you and your dependents You do not need medical insurance with NCISD to use this plan Well Via Semi-Monthly Premium Employee + Family $5.00 hospital indemnity metlife How will you prepare for out-of-pocket expenses from hospital and doctor bills? Most insurance will only cover a portion of your overall medical expenses. The hospital indemnity plan is designed to help cover your out-of-pocket expenses due to an inpatient hospital stay and assists with deductibles and expenses not covered by your major medical s plan. Benefits are paid directly to you so you can use the funds to pay for your needs at your discretion. Coverage is available for spouses and eligible children. Additional information available in the Reference Center at or with your First Financial Benefit counselors to enroll coverage that fits your need. Highlights Include: Plan provides payments in addition to any other insurance payments you may receive Pays if you are admitted and/or confined to the hospital for illness or sickness The plan is Guaranteed Issue for everyone, but there is a 12-month pre-existing clause for illness/sickness that will not pay for the first 12 monts of the policy for items that you are or should be receiving treatment for and/or taking medications A wellness benefit of $75 per person per plan year Routine pregnancies are covered under this plan Dependents covered up to age 26 Hospital Indemnity Coverage Tier Employee Only Employee + Spouse Employee + Children Employee + Family Semi-Monthly Premium $15.75 $26.81 $24.46 $39.15

10 Dental metlife Visiting the dentist can help you and your family keep a great smile as well as maintaining good health. Oral care can be a significant financial expense. These plans are designed to help you keep your teeth in the best shape possible and help cover the costs. MetLife provides employees with 2 dental plans to choose from, a DHMO Plan and a PPO Plan. DHMO Plan No claims form No deductibles No exclusion for pre-existing conditions No annual maximum Must choose from the Directory of Dentists Orthodontia coverage for up to 24-months for child dependents under the age of 26 MetLife DHMO Plan Semi-Monthly Rates Coverage Tier Premium Employee Only $5.63 Employee + Spouse $8.91 Employee + Child(ren) $12.22 Employee + Family $14.51 PPO Plan Have the freedom to choose any licensed dentist in- or out-of-network Save money by visiting a Preferred Provider list of "in-network" dentists Exams, x-rays and cleanings are covered at 100% in-network Annual deductible of $50 per individual; $150 per family; annual maximum benefit of $1,500 per person Basic restorative care (e.g., fillings, root canals & gum treatments) is paid at 80% up to annual maximum Major services are covered at 50% up to annual maximum Twelve month waiting period for major services Orthodontia for Adults and children up to age 25 with a Lifetime maximum of $1,000 per person MetLife PPO Plan Semi-Monthly Rates Coverage Tier Premium Employee Only $17.12 Employee + Spouse $32.42 Employee + Child(ren) $42.41 Employee + Family $57.73 Vision Superior Vision Vision insurance is a way to help cover expenses incurred for eye care services from eye care professionals such as optometrists and ophthalmologists. Regular eye exams can offer more than just measuring your eye sight! They can identify serious eye diseases early, allowing time for treatment. Most people don't realize that eye exams can also reveal the early signs of serious illnesses like diabetes, heart disease and high blood pressure. Highlights include: $10 co-pay for eye exam $15 co-pay for eyeglasses or contacts $100 toward eyeglasses plus 20% off overage OR $120 toward contacts plus 20% off overage You must use an in-network Superior Vision provider Frequency of benefit: Exam- once every 12 months; lenses or contacts- once every 12 months; frameonce every 24 months Superior Vision Plan Semi-Monthly Rates Coverage Tier Premium Employee Only $2.98 Employee + Spouse $5.89 Employee + Child(ren) $5.77 Employee + Family $8.77

11 CANCER INSURANCE - Allstate If cancer touches someone in your family, this plan may help ease the impact on your finances. Benefit payments are made directly to you, allowing you to pay for expenses like copayments, hospital stays, and house and car payments. Highlights include: Benefits are paid directly to you Coverage can be for you or your entire family Pays you based upon a schedule of 25 benefits; some of the key benefits include: ~Pays up to $10,000 annually for chemotherapy, radiation, and immunology ~Pays up to $10,000 annually for blood, plasma, and platelets ~Pays up to $5,000 annually for new and experimental treatment Both HIGH and LOW plans pay you $2,000 upon initial cancer diagnosis The HIGH plan includes an Intensive Care Unit (ICU) rider that will pay $600 daily, up to 45 days, if you are confined to the ICU for ANY reason ICU rider will also pay for ambulance cost, air or land, if you are in ICU for 24 hours or more Existing employees and their eligible dependents, applying for this coverage for the first time or those changing current coverage, will be subject to Evidence of Insurability and subject to health and underwriting guidelines of Allstate for approval/decline process New hires within 31 days of Date of Hire and their eligible dependents, who enroll in the cancer plan are guaranteed to be accepted without regard to prior cancer history. Certain pre-existing condition limitations apply for one year. Cancer Plan Semi-monthly Coverage Low High Employee Only $12.25 $13.79 Employee + Spouse $18.87 $21.73 Employee + Children $17.27 $19.66 Employee + Family $23.88 $27.59 Group Term - Sunlife New Caney ISD provides Group Basic Life Insurance and AD&D paid by the District in the amount of $30,000. This is term insurance, available as long as you are employed by district. The policy has agebanded rates, and is available for spouse and child(ren) ONLY if you have Sun Life coverage for yourself. Employees enrolling in the coverage after the first 31 days of their employment will be subject to insurability and must complete a health questionnaire prior to coverage being issued. Existing Employee New Hire (within 31 days) - Employee: may apply for coverage in $10,000 increments up to a maximum of 7x salary or $500,000 of coverage Spouse: $5,000 increments to a maximum of $150,000 (not to exceed 100% of employee coverage) Child(ren): Live birth to 6 months is $1, months up to age 26, $2,000 increments to a maximum of $10,000 Employee may increase coverage during OE by $10,000 without EOI as long as it does not exceed $150,000 Guaranteed Issue up to a maximum of $150,000 of coverage for employees Guaranteed Issue of Spouse coverage up to $50,000 of coverage (cannot exceed 100% of employee coverage) Guaranteed Issue of Child(ren) coverage up to $10,000 of coverage Extra coverage will be subject to the underwriting guidelines of SunLife and will need approval. Please see a Benefits Advisor or review the plan summary in the Reference Center at for additional information.

12 Disability educator disability by Standard Disability insurance can help protect your income in the even you become sick, injured, or pregnant, and the doctor says you're unable to work. It pays a monthly benefit amount based on a percentage of your gross income, so you may continue to pay for everyday living expenses. HOW THE PLAN WORKS Disability insurance pays a cash benefit and is designed to help protect you if you can t work due to any covered accident, injury or illness, as well as childbirth. Disability benefits will be payable up to the benefit period stated in your policy. FEATURES Guaranteed Issue coverage for everyone; pre-existing condition limitations only apply on new levels of coverage elected or for any enhancements to the plan Based on your individual need, you can select from multiple elimination periods- 0/7 days, 14 days, 30 days, 60 days, 90 days and 180 days The cost depends on your age, the amount of coverage selected, and on how quickly you want benefits to begin Your monthly benefit will pay you in $100 increments; up to 662/3% of your salary or maximum of $8,000/month Disability insurance will pay you as long as you are medically disabled-up to the age of 65 if you are unable to return to work If you select an elimination period of 30 days or less, your waiting period is waived upon in-patient hospital admittance of 24 hours or more Pre-existing conditions will not be covered until after 12 months of continuous coverage Rates can be found in the Reference Center at Accident Insurance - MetLIFE This plan is designed to help you cope with the costs associated with unexpected accidents. Despite having health insurance, out-of-pocket costs may add up quickly when you factor in expenses like copayments and deductibles. Highlights of the plan include: Guaranteed Issue for All Employees Plan is fully portable even if you leave your employer Pays directly to the employee, based on the schedule of benefits Helps cover accidents, including, but not limited to: fractured or broken bones, x-rays, diagnostic exams, 2nd and 3rd degree burns, concussions, comas, emergency room treatment, ambulance, and hospital admission and confinement Coverage Tier Accident Insurance Semi-Monthly Rates Premium Employee Only $4.00 Employee + Spouse $6.12 Employee + Child(ren) $7.15 Employee + Family $9.53

13 ID Theft Protection ilock360 Protect yourself and your family from the fastest growing crime in the US: Identity Theft. A low monthly cost provides protection by scouring the dark web for any compromised accounts and restores your identity with 24/7/365 support. This protection saves you money and time by relying on a service to handle all the details involved when your identity is stolen. Highlights include: All employees eligible for Identity Theft Protection coverage Monitors your identity 24/7/365 Personal address required to sign up for this program Plan can protect individual or family ilock360 Semi-monthly Coverage Mo Plus Premium Employee Only $4.00 $7.50 Employee + Spouse $7.50 $11.00 Employee + Children $6.50 $10.00 Employee + Family $10.00 $13.75 Basic Service is FREE for Employee Only You must register online after you receive an initial to begin service Service CyberAlert monitors: One Social Security Number Two Phone Numbers Five Credit/Debit Cards Two Addresses Two Medical ID Numbers Five Bank Accounts Social Security Number Trace Change of Address Sex Offender Alerts Payday Loan Court/criminal Records Full Service Restoration and lost wallet $1M Insurance Daily monitoring of 1 credit bureau Daily monitoring of 3 credit bureaus Score Tracker adults children Plus Premium Legal Legal Ease Pre-paid legal provides access to a variety of legal services for you and your family at an affordable monthly cost. These services include, but are not limited to, advice on unlimited issues, attorney letters or calls made on your behalf, and contract and document review. Simply call an 800 number to access legal counsel and advice from qualified lawyers. This product provides peace of mind in today s litigious environment. Highlights include: Plan covers many legal services including, but not limited to, Family Law, Estate Law, Civil Lawsuits, Vehicle Law, Real Estate Law, Law for Money Matters and Law for Elder Care issues The plan can provide security for you and your family, with benefits of the preparation of Living Trusts, Living Wills, Powers of Attorney and Will and Codicils Plan includes preparation and review of Affidavits, Deeds, Demand Letters, Document Reviews, Elder Law Matters, Mortgages and Promissory Notes Other benefits of the plan are Adoption and Legitimization, Guardianship, Name Change, Prenuptial Agreement, protection from Domestic Violence, Juvenile Court of Defense, Debt Collection defense and Tax Audit Representation Identity Theft recovery is included with attorney consultations Legal Ease Plan Semi-Monthly Premium Employee + Family $7.59

14 Sick Leave Bank All professional or para-professional personnel of New Caney ISD who are in an allocated budgetary position (FTE), and who are eligible to earn at least one (1) local leave day prior to the last day of December in any year, are eligible to be members of the Employee Sick Bank. Employees hired after the last day before the winter holiday will not be allowed to enroll until the following school year. Any professional or para-professional of New Caney ISD who joins the Sick Leave Bank will contribute one local leave day to bank during the year of enrollment. RETIREMENT OPTIONS TCG Group Holdings offers a variety of options to help supplement your future income and help achieve your financial goals Which One Is Right for Me? 403(b A 403(b) is a retirement savings plan generally offered by public schools and other tax-exempt organizations that allows employees to make contributions on a pretax basis. Most plans allow you to start, stop, increase or decrease contributions at any time. The employer determines the investment providers and employees must open an account with one of those providers to contribute. TCG Group Holdings is the plan administrator; you can elect salary deductions at You will need to login, select your employer, and register, then follow through the steps to choose company and salary deduction. You must then contact the company to set up an account. In 2018, you can contribute 100% of your includible compensation up to $18,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,000 for a total of $24,500. Initial password to enroll online is newca (b The 457 plan is a district-sponsored voluntary retirement savings plan that allows an employee to save money for retirement on a tax-deferred basis. Your district has chosen to offer the JEM Resource Partners (JEM) 457 Plan which has low-cost investment options. The JEM 457 Plan has investment options that do not contain any surrender charges or penalties upon distribution. The plan contains most of the same features of the 403(b) plan, but is different in one unique way. Distributions from the 457 Deferred Compensation Plan are not subject to the 10% excise tax for early withdrawal. In 2018, you can contribute 100% of your includible compensation up to $18,500, whichever is less. If you are age 50 or older, you can contribute up to an additional $6,000 for a total of $24,500. See a Benefits Advisor for more information, or call TCG Benefits, LLC at , or log onto the website below to enroll in the JEM 457 Plan. Initial password to enroll online is newca457. Enroll on the benefit website at open enrollment or at all year, login and select your employer, and follow through the steps and information to enroll in your investment and salary reduction.

15 Frequently Asked Questions What is Guaranteed Issue (GI)? Also referred to as Guaranteed Acceptance, or GA, means that you can't be turned down for health reasons. Guaranteed Issue is typically offered during initial enrollment for benefits. What is a "pre-existing condition"? A pre-existing condition is a disease or physical condition for which symptoms existed or medical advice or treatment was recommended or received prior to the effective date of coverage. What is a deductible? A deductible is what you must pay for your health care before your insurance pays its part. Most plans have deductibles, which start over when your PLAN YEAR starts over. For example, if your plan has a $1,000 deductible and you have surgery that costs $5,000, you ll pay $1,000 before your insurer helps you cover your bills. What is a co-pay? A copay is a small, fixed amount often $15 or $20 that you pay for covered services like a prescription or a doctor s visit. Some health plans also apply coinsurance to certain services. With it, you pay a percentage of the total cost of care. For example, if you have a 20% coinsurance, and your doctor's appointment costs $300, you'd pay $60. That's if you've met your deductible. What does out-of-pocket maximum mean? Your out-of-pocket maximum is the most you have to pay each year toward your medical services or prescription drugs before your insurance pays for all your care. This amount does not include what you pay in premiums. The Affordable Care Act limits the out-of-pocket maximums. In 2018, for one adult, it can be no more than $7,350 and for a family, it can be no more than $14,700. What does EOB mean? After you ve visited your doctor or had a procedure in a hospital, you ll receive an explanation of benefits (EOB) form explaining how much of the charges your insurance will pay. The EOB isn t a bill itself, but it can tell you what your doctor may charge you. Look for the words due from patient to see how much you may owe after your insurance pays. Before you get certain tests or procedures, do you need permission from your health insurance plan? If your doctor says you need a test or procedure, your health plan may have to give permission if it's to be covered by insurance. Giving that permission is called preauthorization. Your plan's overview of benefits lists what care needs to be preauthorized. If you don't get it when it's required, your health plan won't pay its part of the costs.

16 Dependent care Information If I contribute to a Dependent Care Account, can I also write-off my daycare expenses on my taxes? No, you may not. If you use the Dependent Care Account, you save money up-front on your taxes. Your per-paycheck deductions are taken out of your paycheck before you pay taxes on your income. Thus, your taxable income is less, and you pay less in taxes. What kinds of care does this cover? Before-school and after-school care Expenses for preschool/nursery school Extended day programs Au pair services (amounts paid for the actual care of the dependent) Baby sitter (in or out of the home) Nanny services (amounts paid for the actual care of the dependent) Summer day camp for your qualifying child under the age of 13 Elder day care for a qualifying individual Can I use the dependent care account to fund elder care for my mother/ father/spouse? Yes, you may use your Dependent Care account to fund care for individuals who qualify as your dependent child under the age of 13 who lives with you for more than half the year (and for whom you are the custodial parent in cases of divorce) your spouse, or other tax dependent, who is incapable of self-care and lives with you for more than half the year. This guide contains a summary of the benefits offered by your employer. If there is a conflict between the terms of this outline of benefits and the actual contracts, the terms of the contracts will prevail. For a more detailed explanation of benefits you may contact your Account Manager or First Financial Administrators at or visit

17

18 IMPORTANT CONTACTS! Mark Johnston, ACCOUNT MANAGER NORTH FREEWAY, STE. 900, HOUSTON, TX OFFICE: Benefit Vendor Phone Website Medical TRS ActiveCare Mail Order Prescriptions CVS/Caremark TeleDoc Service WellVia Hospital Indemnity MetLife Dental MetLife Vision Superior Vision Cancer Allstate Group Life SunLife Disability Standard Accident MetLife Identity Theft ilock Legal LegalEASE Retirement Savings TCG Group Holdings Health Savings Account FFGA Flexible Spending Account FFGA

19 How to enroll in your benefits: Visit the enrollment website COM to get started You will be prompted for SSN, company key, and DOB (MM/DD/ YYYY). Follow Prompts. If it's your first time to visit the site click REGISTER and proceed. After you have registered, you will go to USER NAME and PASSWORD. If your password is forgotten, click FORGOT YOUR PASSWORD, and proceed with prompts. Your company key is ncisd (case sensitive) Click START HERE to begin the enrollment process. If you would like more information you may go to the REFERENCE CENTER to get more details on the available plans. You can view provider directories for the dental and vision plans if you would like to see the available network providers as well as brochures on each of the benefits available. Just click the benefit tab you would like to view. The next screen contains text regarding the upcoming changes and important benefits dates. Please read the text and click START ENROLLMENT at the bottom of the page to proceed. You will need to go through each benefit to select I WANT COVERAGE or WAIVE COVERAGE. At the bottom of each benefit page you will click NEXT once you have selected your choice 6. After you have completed all the benefits you will be directed to the"review Enrollment" page. Here, you can make a change to a benefit selection if you wish to do so. Click EDIT to the right of the benefit if you want to change and elect different coverage. 7. When you have finished reviewing and are satisfied with your enrollment choices, click APPROVE at the bottom of the "Review Enrollment" page. The next, and last screen is the Confirmation page, click I AGREE to complete your enrollment.